JCL
Own Apple products easily - no credit card needed, with low monthly instalments at an affordable price.
How it works?
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Easy Payment
Instalment up to 36 months*.
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Where to apply?
In-Store & Online.
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Simple Application
Present IC and payslip.
How to register?
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Step 1
Fill in your information and complete the application form.
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Step 2
JCL performs verification and credit assessment.
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Step 3
Applicants will receive notification once the application is approved.
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Step 4
Successful applicants visit store to sign agreement and pick-up purchased item.
How to apply?
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Salaried Employee
Chat with our service team here to get the application link• Malaysian Citizen (Blue IC Only)
• Between the age of 18 to 60 years
• Working 3 months above with current employer
• Not residing or working in a military camp
• Net Salary RM 1,000 above
View pricing of the devices
| Model | Capacity | 12 mo. | 24 mo. | 36 mo. |
|---|---|---|---|---|
| iPhone 17 | 256GB | RM384 | RM217 | RM162 |
| iPhone 17 | 512GB | RM480 | RM271 | RM202 |
| iPhone 17 Pro | 256GB | RM527 | RM298 | RM222 |
| iPhone 17 Pro | 512GB | RM623 | RM353 | RM262 |
| iPhone 17 Pro | 1TB | RM719 | RM407 | RM303 |
| iPhone 17 Pro Max | 256GB | RM575 | RM325 | RM242 |
| iPhone 17 Pro Max | 512GB | RM671 | RM380 | RM282 |
| iPhone 17 Pro Max | 1TB | RM767 | RM434 | RM323 |
| iPhone 17 Pro Max | 2TB | RM959 | RM542 | RM403 |
| iPhone Air | 256GB | RM480 | RM271 | RM202 |
| iPhone Air | 512GB | RM575 | RM325 | RM242 |
| iPhone Air | 1TB | RM671 | RM380 | RM282 |
| iPhone 16 Plus | 128GB | RM384 | RM217 | RM162 |
| iPhone 16 Plus | 256GB | RM432 | RM244 | RM182 |
| iPhone 16 | 128GB | RM336 | RM190 | RM141 |
| iPhone 16e | 128GB | RM288 | RM163 | RM121 |
| iPhone 16e | 256GB | RM336 | RM190 | RM141 |
| iPhone 16e | 512GB | RM432 | RM244 | RM182 |
| iPhone 15 | 128GB | RM259 | RM147 | RM109 |
| iPhone 15 | 256GB | RM307 | RM174 | RM129 |
| iPhone 14 | 128GB | RM211 | RM120 | RM89 |
| iPhone 14 | 256GB | RM259 | RM147 | RM109 |
| iPhone 13 | 128GB | RM182 | RM103 | RM77 |
| Model | Capacity | 12 mo. | 24 mo. | 36 mo. |
|---|---|---|---|---|
| iPad 11-inch (A16, 2025), Wi-Fi | 128GB | RM131 | RM74 | RM55 |
| iPad 11-inch (A16, 2025), Wi-Fi | 256GB | RM169 | RM96 | RM71 |
| iPad 11-inch (A16, 2025), Wi-Fi | 512GB | RM255 | RM145 | RM108 |
| iPad 11-inch (A16, 2025), Wi-Fi + Cellular | 128GB | RM198 | RM112 | RM83 |
| iPad 11-inch (A16, 2025), Wi-Fi + Cellular | 256GB | RM236 | RM134 | RM100 |
| iPad 11-inch (A16, 2025), Wi-Fi + Cellular | 512GB | RM322 | RM182 | RM136 |
| iPad Air 11-inch (M3, 2025), Wi-Fi | 128GB | RM202 | RM114 | RM85 |
| iPad Air 11-inch (M3, 2025), Wi-Fi | 256GB | RM240 | RM136 | RM101 |
| iPad Air 11-inch (M3, 2025), Wi-Fi | 512GB | RM326 | RM185 | RM137 |
| iPad Air 11-inch (M3, 2025), Wi-Fi | 1TB | RM412 | RM233 | RM174 |
| iPad Air 11-inch (M3, 2025), Wi-Fi + Cellular | 128GB | RM269 | RM152 | RM113 |
| iPad Air 11-inch (M3, 2025), Wi-Fi + Cellular | 256GB | RM307 | RM174 | RM129 |
| iPad Air 11-inch (M3, 2025), Wi-Fi + Cellular | 512GB | RM393 | RM223 | RM166 |
| iPad Air 11-inch (M3, 2025), Wi-Fi + Cellular | 1TB | RM480 | RM271 | RM202 |
| iPad Air 13-inch (M3, 2025), Wi-Fi | 128GB | RM288 | RM163 | RM121 |
| iPad Air 13-inch (M3, 2025), Wi-Fi | 256GB | RM326 | RM185 | RM137 |
| iPad Air 13-inch (M3, 2025), Wi-Fi | 512GB | RM412 | RM233 | RM174 |
| iPad Air 13-inch (M3, 2025), Wi-Fi | 1TB | RM499 | RM282 | RM210 |
| iPad Air 13-inch (M3, 2025), Wi-Fi + Cellular | 128GB | RM355 | RM201 | RM149 |
| iPad Air 13-inch (M3, 2025), Wi-Fi + Cellular | 256GB | RM393 | RM223 | RM166 |
| iPad Air 13-inch (M3, 2025), Wi-Fi + Cellular | 512GB | RM480 | RM271 | RM202 |
| iPad Air 13-inch (M3, 2025), Wi-Fi + Cellular | 1TB | RM566 | RM320 | RM238 |
| iPad mini (7th gen, A17 Pro, 2024), Wi-Fi | 128GB | RM173 | RM98 | RM73 |
| iPad mini (7th gen, A17 Pro, 2024), Wi-Fi | 256GB | RM211 | RM120 | RM89 |
| iPad mini (7th gen, A17 Pro, 2024), Wi-Fi | 512GB | RM297 | RM168 | RM125 |
| iPad mini (7th gen, A17 Pro, 2024), Wi-Fi + Cellular | 128GB | RM240 | RM136 | RM101 |
| iPad mini (7th gen, A17 Pro, 2024), Wi-Fi + Cellular | 256GB | RM278 | RM158 | RM117 |
| iPad mini (7th gen, A17 Pro, 2024), Wi-Fi + Cellular | 512GB | RM365 | RM206 | RM154 |
| Model | 12 mo. | 24 mo. | 36 mo. |
|---|---|---|---|
| MacBook Air 13-inch (M4 chip with 10-core CPU and 8-core GPU, 16GB, 256GB SSD) | RM389 | RM220 | RM164 |
| MacBook Air 13-inch (M4 chip with 10-core CPU and 10-core GPU, 16GB, 512GB SSD) | RM470 | RM266 | RM198 |
| MacBook Air 13-inch (M4 chip with 10-core CPU and 10-core GPU, 24GB, 512GB SSD) | RM551 | RM312 | RM232 |
| MacBook Air 15-inch (M4 chip with 10-core CPU and 10-core GPU, 16GB, 256GB SSD) | RM456 | RM258 | RM192 |
| MacBook Air 15-inch (M4 chip with 10-core CPU and 10-core GPU, 16GB, 512GB SSD) | RM537 | RM304 | RM226 |
| MacBook Air 15-inch (M4 chip with 10-core CPU and 10-core GPU, 24GB, 512GB SSD) | RM619 | RM350 | RM260 |
| MacBook Pro 14-inch (M4 Pro chip, 24GB, 512GB SSD) | RM815 | RM461 | RM343 |
| MacBook Pro 14-inch (M4 Pro chip, 24GB, 1TB SSD) | RM1,007 | RM569 | RM423 |
| MacBook Pro 14-inch (M4 Max chip, 36GB, 1TB SSD) | RM1,342 | RM759 | RM564 |
| MacBook Pro 16-inch (M4 Pro chip, 24GB, 512GB SSD) | RM1,055 | RM596 | RM444 |
| MacBook Pro 16-inch (M4 Pro chip, 48GB, 512GB SSD) | RM1,217 | RM688 | RM512 |
| MacBook Pro 16-inch (M4 Max chip, 36GB, 1TB SSD) | RM1,467 | RM829 | RM617 |
| MacBook Pro 16-inch (M4 Max chip, 48GB, 1TB SSD) | RM1,677 | RM948 | RM705 |
| Mac mini (M4 chip, 16GB, 256GB SSD) | RM240 | RM136 | RM101 |
| Mac mini (M4 chip, 16GB, 512GB SSD) | RM321 | RM182 | RM135 |
| Mac mini (M4 chip, 24GB, 512GB SSD) | RM403 | RM228 | RM170 |
| Mac mini (M4 Pro chip, 24GB, 512GB SSD) | RM575 | RM325 | RM242 |
| iMac 24-inch, Standard Glass (M4 chip, Two ports, 16GB, 256GB SSD) | RM556 | RM315 | RM234 |
| iMac 24-inch, Standard Glass (M4 chip, Four ports, 16GB, 256GB SSD) | RM642 | RM363 | RM270 |
| iMac 24-inch, Standard Glass (M4 chip, Four ports, 16GB, 512GB SSD) | RM724 | RM409 | RM305 |
| iMac 24-inch, Standard Glass (M4 chip, Four ports, 24GB, 512GB SSD) | RM805 | RM455 | RM339 |
| iMac 24-inch, Nano-Texture Glass (M4 chip, Four ports, 16GB, 256GB SSD) | RM724 | RM409 | RM305 |
| Mac Studio (M4 Max chip, 36GB, 512GB SSD) | RM863 | RM488 | RM363 |
| Mac Studio (M3 Ultra chip, 96GB, 1TB SSD) | RM1,725 | RM975 | RM725 |
| Model | Size | 12 mo. | 24 mo. | 36 mo. |
|---|---|---|---|---|
| Apple Watch Ultra 2, GPS + Cellular | 49mm | RM319 | RM180 | RM134 |
| Apple Watch Series 10, GPS | Aluminium Case | 42mm | RM151 | RM85 | RM64 |
| Apple Watch Series 10, GPS | Aluminium Case | 46mm | RM165 | RM94 | RM70 |
| Apple Watch Series 10, GPS + Cellular | Aluminium Case | 42mm | RM199 | RM113 | RM84 |
| Apple Watch Series 10, GPS + Cellular | Aluminium Case | 46mm | RM213 | RM121 | RM90 |
| Apple Watch Series 10, GPS + Cellular | Titanium Case, Sport Band | 42mm | RM272 | RM154 | RM114 |
| Apple Watch Series 10, GPS + Cellular | Titanium Case, Sport Band | 46mm | RM296 | RM167 | RM125 |
| Apple Watch SE, GPS | Aluminium Case | 40mm | RM81 | RM46 | RM34 |
| Apple Watch SE, GPS | Aluminium Case | 44mm | RM94 | RM54 | RM40 |
| Apple Watch SE, GPS + Cellular | Aluminium Case | 40mm | RM104 | RM59 | RM44 |
| Apple Watch SE, GPS + Cellular | Aluminium Case | 44mm | RM118 | RM67 | RM50 |
Frequently Asked Questions
Overview
- JCL
• A financing solution offering low monthly instalments at an affordable price. - Repayment loans are available for up to 36 months.
- Multiple devices can be applied for under one application, which will fall under one agreement (e.g., 2 iPhones or 2 iPads).
- Eligibility:
Salaried Employees:
• Ages 18 to 60
• Nett salary of RM1000 and above
• Malaysian citizens (blue IC only)
• Minimum working period of 3 months
• Not residing or working in a military camp - Supporting Documents:
• Copy of Identity Card (front & back)
• Latest payslip (one month only) - Guarantor / Collateral:
• No guarantor or collateral required. - Processing Time:
• 1 to 3 working days from application to approval.
Payment
- Application Fee:
No payment upon application. RM54 (inclusive of 8% SST) processing fee will be collected by JCL upon approval. - Monthly Repayment Methods:
Auto debit deduction from applicant’s savings account
Manual payment through the “Jclicks” application. - Late Payment:
Late payment charges apply if payment is past due date. - Auto-Debit Requirement:
All applicants must apply for auto-debit before collecting their devices. - Confidentiality:
Personal information is kept confidential in compliance with the Personal Data Protection Act 2010 (PDPA). - Early Settlement Rebate:
Discounted price for early settlement.
Contract
- Termination:
• Early termination is allowed. Contact Customer Service at 03-26167900. - Device Collection:
• Device can be collected on the spot after signing the agreement. - Contract Details:
• Contract will be sent via postage within 1 month after collecting the device.
Terms and conditions will be stated in the contract.
General – Lost / Theft / Damage
- Faulty Device
• Check the device upon collection for defects. Notify staff and request replacement if defective.
Responsibility for the device continues throughout the contract duration. - Lost/Stolen Device:
• No protection for lost or stolen devices; payments must continue until the end of the contract. - Broken Device:
• No protection for broken devices; payments must continue until the end of the contract.
